2 N Ferry St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 2 N Ferry St, Schenectady, NY 12305

Property Summary

Property Type	Apartments (5+ Units)
Details	2,265 sqft · built 1984
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Company Names on File
Last Sale	$575,000 (Jun 2023)
Tax Bill	$11,088 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-2-46.21`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-2-46.21`
Alternative APN	`150003906300020460210000`

Interior

Units	5 Units
Stories	2 Stories
Building Area	2,265 sqft Gross Area
Basement Area	906 sqft
Unfinished Basement	906 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	140 ft deep x 34.2 ft wide
Garage Type	Detached
Garage Area	1,480 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2 N FERRY ST
City	SCHENECTADY
State	NY
Zip	12305-1609
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	46.021
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1012
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	42 RUGGLES RD, SARATOGA SPRINGS, NY 12866-5420
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SARATOGA NATIONAL BANK & TRUST CO
Jun 23, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK NATIONAL ASSOCIATION
Jun 23, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on File
Deed Sale	Jun 21, 2023 · Amount on File
Prior Sale	Jun 21, 2023 · Amount on File
Deed Document Number	202336104
Deed Book / Page	1420 / 255
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 20, 2022
Property Address	2 N FERRY ST, SCHENECTADY, NY 12305-1612
Document Number	0000050115
Book / Page	2093 / 379
Instrument Date	Aug 11, 2022
Instrument	202250115
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	241 W 111TH ST # ST21, 241, NEW YORK, NY 10026-4130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 RUGGLES RD, SARATOGA SPRINGS, NY 12866-5420

Mortgage

Document Number	0000050116
Date	Sep 20, 2022
Instrument	202250116

Lender

Name	SARATOGA NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2 N FERRY ST, SCHENECTADY, NY 12305-1612
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	TITLEVEST AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018099
Date	Jun 23, 2020
Book Page	4998/413
Instrument	202018099

Lender

Name	COMMUNITY BANK NATIONAL ASSOCIATION
Type	Government Agency
Address	SCHENECTADY, NY 12305

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2 N FERRY ST, SCHENECTADY, NY 12305-1612
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	TITLEVEST AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018100
Date	Jun 23, 2020
Book Page	4998/438
Instrument	202018100

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	ONEONTA, NY 13820

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,088.00 (+0.75%)
2025	$11,005.00 (+100.64%)	$268,800 (-40.29%) Land $19,000 Building $249,800	$445,107 (-21.89%) Land $31,462 Building $413,645
2023		$450,200 (+232.74%) Land $19,000 Building $431,200	$569,873 (+245.38%) Land $24,051 Building $545,822
2022		$135,300 Land $19,000 Building $116,300	$165,000 Land $23,171 Building $141,829
2021	$5,485.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 554 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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